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Can't say from experience if Black or XL is worth it, but my friend had bought a new Acura and rarely gets called for Black service. Instead he's picking up the normal bar crowd at the cheap rates in his expensive vehicle. One drunk guy jumped on the trunk, and someone else put a dent in the door. Uber paid to repair it, but what a hassle.
Regarding fuel economy, if you're putting in 50,000 miles a year like my friend, the difference between 30 MPG and 50 MPG is about 666 gallons, or close to $2,000 more at $3/gallon.
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